Free for Employers — Always

Simple, Transparent Pricing

Employers pay nothing. Employees get affordable loans at simple interest rates disclosed upfront. No surprises.

For Employers

Employer Plans

All plans are free. The difference is the features available to your organisation.

Starter

Perfect for small employers

Free
Always free for employers
Up to 50 employees
  • Payroll-deducted loans for all staff
  • AI-powered loan assessment & decisioning
  • Simple interest rates (automatic calculation)
  • Multi-stage loan approval workflows
  • Fortnightly payroll deduction file generation
  • Employee self-service portal
  • Basic financial wellness reporting
  • Email & in-app support
  • KYC & identity verification
Most Popular

Business

For growing organisations

Free
No employer fees, ever
51–500 employees
  • Everything in Starter, plus:
  • Managed benefits program (Model B)
  • Staff advance (salary advance) scheme
  • Gratuity tracking & accrual management
  • Employee entitlements & claim tracking
  • Comprehensive financial wellness dashboard
  • Savings products & tracking
  • HR payroll system integration
  • Bulk employee import & auto-linking
  • Dedicated account manager
  • Priority support

Enterprise

For large organisations & government

Custom
Tailored to your organisation
500+ employees
  • Everything in Business, plus:
  • White-label branding & custom theming
  • Custom approval workflows & automation
  • Loan restructuring & deferment tools
  • Advanced risk assessment & portfolio analytics
  • EFWI employer financial wellness index
  • Leaderboard & certification tiers
  • Executive & compliance reporting suite
  • AI-powered collections & default prevention
  • SLA-backed 99.5% uptime guarantee
  • Dedicated integration engineer
  • Custom on-site training & onboarding
For Employees

What Employees Pay

Total transparency — every cost is disclosed before you commit to anything.

ServiceCost
Account registrationFree
KYC & identity verificationFree
Loan applicationFree
Early repaymentFree (no penalty)
Savings accountFree
Financial education coursesFree
Interest on loansSimple rate — disclosed upfront
Our commitment: All interest rates are calculated as simple interest (not compound), disclosed in full before you accept a loan offer, and there are no hidden fees, no origination charges, and no early repayment penalties.

Why Is It Free for Employers?

Our business model is simple: we earn revenue through the interest charged on employee loans — not from employers. This means our incentives are aligned with your employees' success.

The more your employees improve their financial wellness, the more they repay on time, the better our portfolio performs — and the better interest rates we can offer. Everybody wins.

🤝
Aligned Incentives
We only succeed when your employees succeed financially.
🏦
Revenue from Interest
Simple interest on loans — disclosed and fair. Never from employers.
📈
Volume Model
Scale across PNG employers creates the portfolio efficiency that enables fair rates.

Managed Benefits Program (Model B)

For employers who want to outsource the administration of their employee benefit entitlements (travel, accommodation, education, vehicle, telephone, gratuity), StaffLoans offers a fully managed program.

How it works:
  1. Employer deposits the annual benefit fund into a StaffLoans-managed account
  2. StaffLoans allocates entitlements per employee contract
  3. Employees claim benefits digitally — StaffLoans handles approvals & disbursements
  4. StaffLoans charges a 1.5% management fee on the total benefit fund annually
  5. Unused funds are returned to the employer at year end

Pricing FAQs

Ready to get started at zero cost?

Register your organisation today. Our team will have you up and running within a week.